Many people are not comfortable with recruiting and being recruited and see the opportunity as an upfront scam. 155 Kapalulu Pl Ste 289. This naturally raised the question of what Premier Financial Alliances core priority was. Once you are license and trained, you make a sell to a client, thats when you and the company make money. Our product and platform create an opportunity for financial services professionals to grow their own business with very little startup costs. $149. Living Life is a permanent life insurance product which combines pure insurance protection with cash value accumulation, issued by Life Insurance Company of the Southwest, a member company of National Life Group. Life insurance you don't have to die to use - it just makes sense. Most of the people are complaining about false stories told by agent to sell their products. Once they pay the $125 membership fee and buy the . It protects from death, accident, critical illness, or even theft. A cost-effective option for individuals who seek coverage for a predetermined period of time. On January 22nd, 2019, the court denied both motions. Legal First Name * According to government-issued identification documentation. Otherwise, check out our top-recommended program if you dont want the hassle of selling and recruiting. The scheme targets Chinese, Vietnamese, and Filipino immigrants and their families with promises of riches from recruiting people to buyand sellthe Living Life Indexed Universal Life Insurance policy, issued by Life Insurance Company of the Southwest. Other than MLMs, one of the most questionable products or services is insurance, and perhaps thats one reason why there are people who dont have it yet. To sumarize, Premier Financial Alliance is facing two separate lawsuits that accuse it of being a pyramid scheme. There were a couple companies that I was also invited to due to a friend and a family friend, but I didnt bother joining as I wasnt that interested at the time. Both claim to have been deceived into believing PFA was a legitimate way to make money. Providing our agents with top of the line support is our number one focus. On May 6th an initial case management conference for both cases was held. Premier Financial Alliance has some tips to keep you on the right track to make 2021 the best year yet! Because of the reputation it has. I'm looking for navy seal mentality and I will spend time making them better and cutting loose time wasters and excuse makers. Confirm Email *. Founders David Carroll. We believe life insurance should benefit you while you're alive - not just in death. The most damning allegations in the new 2019 lawsuit are the targeting of Asian immigrants, and claim that 95% of sales within Premier Financial Alliance are affiliate purchases. If you want to join be come a agent go head..!! Company size Large enterprise (150 or more) Honolulu, HI 96819-1826. I actually have heard of this company for 3 years now. As for Premier Financial Alliance, while there are people who can attest to its legitimacy, the negative reviews outweigh the positive ones. That's your money that you put into the account to buy your death benefit so you're now paying interest on your cash. When a company earns most or all of its revenue from recruitment, by definition, it is a pyramid scheme. I know most people are confused about how it really works and thats okay. PFA swag bag and shirt. At-a-glance. A case management conference has been scheduled for January 13th, 2020. The June 25th class-action lawsuit was filed by Plaintiffs Rui Chen and Wenjian Gozales in California. However, this is not the case with Premier Financial Alliance. You don't know what you are talking about. We protect the dreams of Middle America through a proprietary financial product that is disrupting the life insurance industry. with complete knowledge that the Defendants have violated Department of Insurance Guidelines and the anti-pyramid laws, but aided and abetted the conduct of Nationals co-defendants. Whether retirement plans, funding your childs college tuition, or having enough money in the event of an emergency, these are the types of decisions that should be made sooner than later. In our review we found an astonishing lack of information provided to potential PFA retail customers or indeed, whether retail sales were even possible at all. If so why would you borrow what is yours? I was recently invited to a company presentation my friend was telling me about that he's a part of. uChoose Rewards For me, this is a red flag and I bet the Federal Trade Commission (FTC) will agree to that. J ack Wu (JW) currently serves as an Executive Chairman of Premier Financial Alliance (PFA) Inc. (A nation-wide financial marketing company). As a new Premier Marketing Associate you will be instructed that the key to attaining success in your business lies in assisting each of your . That was the first red flag but I was bored and curious. PFA agents or the PFA don't make money on $125 fee. No compensation plan. HOME; JOIN PFA; P-TRAC LOG IN; PRIVACY POLICY; TERMS OF USE . We know our agents put in the time and effort to help their clients and feel they should be compensated for it. C2820332, that currently does business at 8000 Marina Blvd., Ste. Download the Mobile App. Chen joined Premier Financial Alliance in 2017 and Gonzales in late 2017 or early 2018. Read More. Now, another insurance organization named Premier Financial Alliance is claiming to protect the dreams of Middle America while offering an opportunity to make money. If recruitment stops, so does your profit. Thank you! Press J to jump to the feed. Address Line 1 *. Welcome to My Premier Financial Alliance Review! Top 6 Working From Home Tips and Tricks. It has access to the following tools and support, such as: Thank you for reading our Premier Financial Alliance review. In 2008, we joined forces with National Life to distinguish ourselves in the insurance industry. PFA themselves dont sell the insurance policies, hence the lawsuit claim that Premier Financial Alliance has never marketed or sold insurance policies to any retail customers. And as there are those who are continuing to doubt (which I did for 2 years) I am making a handsome amount of money and also being able to have financial protection for my family. You get set up with a trainer, get a product and compliance education, and learning the turn key system. Press question mark to learn the rest of the keyboard shortcuts, http://www.scam.com/showthread.php?641926-Multi-Level-Marketing-Premier-Financial-Alliance-%28PFA%29-Scam, http://sajha.com/sajha/html/index.cfm?threadid=111838, http://www.ripoffreport.com/r/premier-financial-alliance-seal-team/rockville-md-maryland-20850/premier-financial-alliance-seal-team-premier-financial-alliance-seal-teamrex-wu-john-wu-1192255, http://www.slideshare.net/MSchafers/why-robert-kiyosaki-and-donald-trump. Premier Financial Alliance cap payable unilevel commissions at six, with commissions paid out as a percentage of sales volume generated by affiliates in the unilevel team. Your submission has been received! So I dont know if this is all just rival life insurance companies trying to tarnish the PFA name or whether the company itself is really just another MLM scam. April 10, 2023 | 6:00 PM | Altona Supper Club. Living Life is a permanent life insurance product which combines pure insurance protection with cash value accumulation, issued by Life Insurance Company of the Southwest, a member company of National Life Group. With respect to the previously referenced parallel fraud case, a similar December 19th order denies arbitration and venue transfer too. She used that money to pay for her treatments. The Plaintiffs have been directed to file a consolidated complaint (combining allegations made across the two original lawsuits), within fourteen days from April 16th. Need Assistance? Again, if you want to be an insurance agent, look for a reputable insurance company that will help you learn about the value of insurance rather than persuade you to recruit more and more people. Phone number *. No marketing is done to retail customers. Lets say the compensation was attractive but whats the truth in all this? Mmmm yeah that is not for me. So a little backstory, I remember seeing this kind of play before as I saw this when my ex-girlfriend tried to recruit me into Herbalife years ago and my cousin into WFG about 7 years ago. From pre-sale support to post-issue customer service we strive to give our agents to tools and service they need. 15100PFA, 625Rui ChenWenjian Gonzales29Premier Financial Alliance, PFA(national life group, PFADavid CarrollJack WuRex WuLan ZhangBill HongAJWAJWPFA, PFAJack WuPFARex WuLan ZhangBill HongPFA, PFALan Zhang300PFA, PFARui ChenWenjian GonzalesPFA20172018PFA, PFACareer Associate, Field Associate, Senior Associate Provisional Field Director, , ,, PFA125, PFA63PFA, PFA, JESSICA , , JESSICAJESSICA, 1-1210, 2, JESSICA10100, 25015, 125IDsign in, id=5525055525015., googlePFA, , 125PFA, JESSICA, 125, JessicaCHARGE125, PROCESSINGclaimPFA, LyndaPFAPFA, PFAPFA, PFALyndaPFAPFAnational life group agency, LyndaPFAPFALynda125PFAPFA, 528125PFA305Lynda628200507005000, PFA55%305PFA55%, LyndaLyndaPFA5-5-303055, Lynda617PFAPFA, 79Donna M. Ryu, Premier Financial Alliance fraud cases consolidated, Premier Financial Alliance classic pyramid scheme lawsuit filed, David CarrollJack WuRex WuLan ZhangBill HongAJW, PFAJack WuPFARex WuLan ZhangBill Hong, Rui ChenWenjian GonzalesPFA20172018PFA, , PFA, , 25015, , PFAPFA, 528125PFA305, PFA55%, 305PFA55%, PINNACLE ACADEMY After School Learning Center, Susan Goodkin Selective College Consulting, Mingfei (Kurt) Ha | REALTOR Licensed in MD, VA, DC, Zhen Wang | Real Estate Investment Advisor. Dedicated Agent Support. A recently filed RICO class-action lawsuit alleges Premier Financial Alliance is a particularly egregious classic pyramid scheme. Press question mark to learn the rest of the keyboard shortcuts. In this company we all help each other. 132 were here. I noticed people sign up and don't do anything about it. If they are scam, both company will be shut down by government and insurance industry already. PFA may have privately organized under the Laws of Georgia as a different Btw I just join couple a week ago, after I made payment $ 125, money no refundnable. June 25, 2018. Here is a Blueprintto Owing Highly Profitable Online Business Without Any Experience REVEALED! Premier Financial Alliance is an innovative financial planning business that works to help clients and associates create and then actualize their financial goals. Suite 289. They get paid by insurance companies by educating the . Online, offline, email, or postal. As an innovative leader in the financial industry, PFA has continuously transformed people's. Lost Card. Knowledgable and experienced mentors with you every step of the way. Although prospective associates are told they will be able to maintain their own insurance business, the policy bought and sold through the pyramid is significantly overpriced. Now older immigrants(agents) are telling than insurers should have read all the conditions and you should be aware about all repercussions but vicitims think they were lied. p.s. So why don't we? ", "You're never too young for life insurance. Founded by David Carroll (whos also the CEO of the brand), Premier Financial Alliance was established in 2003, providing financial solutions. You can also subscribe without commenting. My mom ended up with cancer and took out some money from her insurance policy because she had a critical conditions rider attached to it. This product represents the next generation of our shared success . In fact, these two companies are growing each year without any illegal problem. Premier Financial Alliance agents are paid variable commissions from the insurance carriers based on the type of product, amount of coverage, and other factors such as the age and health of the customer. Contact Information. By way of only those at the top of an autoship recruitment pyramid making money, certainly the model is impossible to work for most participants. Has this product worked with anyone? The last significant filing in the 2018 case is a May 28th motion by the Premier Financial Alliance defendants. Stay tuned for updates as we continue to track both cases going forward. Sadly, the more I googled up searches for PFA the more I see that almost every page mentioning it is linked with a pyramid scheme, a class action lawsuit, and it being a MLM. Donald Trump and Robert Kiyosaki recommend it? Defendants have failed to meet their burden to show, by undisputed material facts, that the parties entered into an agreement to arbitrate the claims here. That's not really a success story. Its not just in case you die - it's to live a life you love. Premier Financial Alliance. Premier Financial Credit Union. This organization is a scam. Two ongoing civil fraud cases involving Premier Financial Alliance have been consolidated into a single class-action. Copyright I.e. Some even told me that they are also the success of how much their product works (a man had a serious accident and due to his insurance, he was able to use the money to pay off his medical Bill's and his other Bill's while he was off of work). Also if you follow their system, you actually get reimbursed what you pay for, which is crazy to me but I appreciate it. That being said, its important to do a background check before joining a program; let alone buying a product or service to avoid being scammed. Serve your client, Serve your team, and required always put other people first before. Notify me of followup comments via e-mail. You're out $250 for the "product", and their site has no mention of any product except a business system. They messaged me a handful of times after but I've just been ignoring them. In this post, well talk about an insurance organization called Premier Financial Alliance and why its making noise online. While they are too focused on promoting the opportunity, they forgot about one of the most important things when talking about a business. Oops! Address Line 2 (Optional) For improved security and optimized performance we highly recommend upgrading your browser. The June 25th class-action lawsuit was filed by Plaintiffs Rui Chen and Wenjian Gonzales in California. But looks like company agent screwed Nepali and Bhutanese immigrants. they never personally agreed to PFAs AMA. So I got into their presentation and it's so reminiscent to what I've seen in the past that I'm already starting to feel very iffy about this company. To make money in PFA and WFG, it requires hard work and servant mentality. Company Premier Financial Alliance Seal Team. Their three pillars- knowledge, power, and success- are a major part of what makes Premier Financial Alliance the longstanding success it is today. Premier Financial Alliance believes in empowering people with the knowledge and confidence needed to build their own business without the fear of failure that prevents you from achieving financial success.. Optional riders are available that allow you to access a portion of the death benefit while you're alive during qualifying health events. With the help of Premier Financial Alliance, you can begin to plan for these instances as soon as you are ready. On November 28th defendants A JW Production, LLC, Bill Hong, The Consortium Group, LLC, Jack Wu, Rex Wu, and Lan Zhang, filed their own motion requesting the same. Here are the top work-from-home tips from our staff. According to allegations of an ongoing lawsuit, Premier Financial Alliance earns all of its revenue through recruitment. The Premier Financial Alliance Lawsuit. Membership Join the Credit Union! JW's Rise to Success. Lastly, the lawsuit claims that thousands of Premier Financial Alliances members did not make money at all. Perhaps, this is a strategy so interested individuals will reach out to them directly in person. The best business tools and support you need. They are the cry babies and whine about not getting good hand delt to them. Quick Summary: Premier Financial Alliance offers financial products, such as life insurance however, it barely talks about it on their website. They can agree that this is the best company we have joined by far. Their . A 2016 video cites Zhang as a Premier Financial Alliance President, and depicts her receiving a special birthday present from PFA founder and CEO, David Carroll. Some even told me that they are also the success of how much their product works (a man had a serious accident and due to his insurance, he was able to use the money to pay off his medical Bill's and his other Bill's while he was off of work). Plaintiffs Gonzales and Chen are seeking to represent a class of similarly situated Premier Financial Alliance victims, of whom they estimate there are over 25,000. Premier Financial Alliance is an innovative financial planning business that works to help clients and associates create and then actualize their financial goals. 1st client get 30% commission. He began his career in the financial services at a time when he was . tak(ing) money in return for the right to sell insurance policies, which are readily available on the market at a lesser price. Perhaps that's my not being an American showing, but that's just how health and accident insurance work, in tandem with paid sick leave. We are a Insurance Broker representing over 50 carriers. Manages clients' investments, helps them buy and sell stocks and bonds, assists with tax planning, etc. Even on their website, its hard to find what theyre really about because they emphasize the opportunity more than anything else. I've seen with my own eyes, this company change lives from consumers to their employees. I told him I'd rather do some research before I jump in, and he understood and thanked me for coming. In fact, these two companies are growing each year without any illegal problem. Premier Financial Alliance Reviews a Checklist to Prepare Your Family for Unexpected Life Events, Premier Financial Alliance Compiles Easy Money Saving Tips for Young Professionals. Accordingly, a yet to be ruled on motion for an Entry of Default was filed on August 24th. Something went wrong while submitting the form. If you check Premier Financial Alliance websites, you cant simply find the products or the type of insurance they offer; rather, they focus on promoting the opportunity. Now I lost $125. do the same thing. Financial Calculators. Something went wrong while submitting the form. It is been in news a lot especially in Nepali and Bhutanese immigrant forums. I dont like MLM. MLM is legal business system that has been around and proven to be very efficient. theYear = now.getYear(); Premier Financial Alliance may be a pyramid scheme. The motion was denied January 22nd, 2019, prompting PFA to file a Motion for Reconsideration. Living Life by Design Indexed Universal Life1 is customized specifically for and distributed exclusively by PFA. 1 General Admission ticket. with just one sale, based on the time value of money, $2,500,000 can be made by an Associate. In BehindMLMs own May 2016Premier Financial Alliance review, I opined. Tickets purchased by May 31, 2022. Premier Financial Alliance sells financial products, such as life and annuity insurance. ", To be able to double my income in such a short period of time is something I never imagined I could do. People from all walks of life, from all around the world, have experienced tremendous success and results from the solutions that Premier Financial Alliance provides. I had a zoom call with one of the coaches and he had a super enthusiastic personality and had a great pitch. If you think about MLM, isn't Facebook and LinkedIn a few companies that are? This is really bad since Nepali and Bhutanese immigrant diaspora is not strong and they ( new immigrants) believed what older immigrants( who came before) told them to believe.Bad part is most of agents are older immigrants. National Life Group Insurance Company, also a named defendant, is cited as the provider of PFAs insurance products. Its hard, but once you make it, understand it. Access all general sessions Sept 25-29, 2022. PFA and WFG are both legitimate company, not a scam. Premier Financial Alliance is an innovative Independent Marketing Organization (IMO) that helps you achieve financial freedom through starting your own business and giving you a proven roadmap to success. Oops! The company give 30% commision because the money not from them but come from the clients money. Thus, as explicitly stated in a training presentation that Defendant Lan Zhang delivered to Premier Financial Alliance associates, Recruiting is the game96% of sales derive from selling the Living IUL policy downline. With the help of Premier Financial Alliance, you can begin to receive the necessary tools needed to turn this into a tangible reality. Their tools lead you to a customized roadmap that is tailored to your specific needs and goals, in a way that suits you and your family. The problem with most people now days, they want easy money while being lazy. However, if I were to choose an insurance company that Ill become an affiliate with, PFA will not be on my list. Other drawbacks are more than enough to tell you to ditch this company and look for a better option instead. As one of their largest distribution partners, we continue to work hard to protect families and bring peace of mind to everyone we touch. failure to submit sufficient evidence that plaintiffs affirmatively agreed to the terms of the Premier Financial Alliance Associate Marketing Agreement (AMA) by clicking a box in an online registration form. This Credit Union is federally insured by the National Credit Union Administration. The founders LinkedIn account is barely updated. Haley Piper. Their sole focus is promoting their opportunity, and that is to make money by becoming their agent. Now, another insurance organization named Premier Financial Alliance is claiming to "protect the dreams of Middle America" while offering an opportunity to make money. After the presentation was over, I met up with my friend and asked me if I liked the product and if I was interested in joining him. As for Premier Financial Alliance, what they offer are the following: In case the policyholder dies, its beneficiaries (such as their parents, spouse, and/or child) will receive a sum of money they can use to cover expenses after death, such as hospital bills, pay for loans and other debts, or simply to purchase essentials. At the hearing defendants Life Insurance Company of the Southwest, National Life Insurance Company, NLV Financial Corporation and National Life Holding Company were granted a motion to dismiss. Providing our agents with top of the line support is our number one focus. The PFA lawsuit is still playing out. Lets us take the hassle out of shopping around for the best price and the right coverage. Create an account to follow your favorite communities and start taking part in conversations. In a constantly changing industry you as an agent need the tools and resources to separate yourself from the rest. I'm no financial advisor or a professional in the insurance field, but I dont know if PFA is actually legit. Weve added the lawsuit to our list of cases were following, so stay tuned for further updates as the case progresses. Worse, if its proven to be a fraud, your name might be dragged in it, too. BehindMLMreviewed Premier Financial Alliancein 2016. And obviously you won't get any results that way will you? This website provides the most important contact information about the Corporate Offices & Headquarters including Premier Financial Alliance Address, Corporate Number, and more. Save my name, email, and website in this browser for the next time I comment. Optional riders are available that allow you to access a portion of the death benefit while you're alive during qualifying health events.2. 5.2 miles away from Premier Financial Alliance. Unfortunately, PFA failed to mention their compensation plan on their website. That could be problematic because more or less, they will do their best to persuade you in joining the program. It wouldn't hurt to make extra money right? Honestly, I dont see anything to like about Premier Financial Alliance. $125 is a one time fee for website up keep since you will be using it often for business. To earn any commissions or financial rewards in PFA, one has to recruit and cause to be signed up, six persons, and obtain a license to sell insurance under applicable State Law. I cant stress enough the importance of knowing the details about their compensation plan before going into the opportunity. If Premier Financial Alliance is indeed an MLM company full of affiliates earning commissions based on how much their recruited downlines are spending each month thats a problem. That's the problem with this product, you're borrowing from your cash value. Disrupting the financial services industry. As long as you are willing to learn about it, I dont see any problem at all. Money is just by product. Defendants named in the lawsuit include Premier Financial Alliance, David Caroll (CEO and Founder), Jack Wu (chairman and ringleader) and his company AJW Productions, Rex Wu (field chairman), Lan Zhang (an original member of PFA), Bill Hong (conspirator). Anyway, insurance, from the word itself, means guaranteed or assurance. The plaintiffs charge that Premier Financial Alliance is a pyramid scheme and an endless chain recruiting scam. 5955 S. 56th Street, Suite 2, Lincoln, NE 68516 Ph. A hearing to decide the arbitration matter was scheduled for July 19th. A recently filed RICO class-action lawsuit alleges Premier Financial Alliance is a "particularly egregious classic pyramid scheme". Phone Number 888.867.6533. The decision to deny reconsideration was based on PFAs. More or less, it follows a multi-level marketing (MLM) structure that lets people earn by selling their policies and at the same time, growing their team. Daily lunch (Sept 27-29th) Early check in September 25, 2022. So I have nothing bad to say about them. Premier Financial Credit Union Mobile Logo. Our associates are supported by a first-class team that is as passionate as you are. Death is not required to gain protection from this type of insurance. Personal Information. Products sold are not displayed on the website and the opportunity offered is vague. If you have fallen for a scam, you can post your experience here to warn others. Get your ticket. Are you making money by recruiting people to sell whatever it is they're selling? I would suggest to you vadude1, to give this a try. At Premier you will always talk to a person and not be trapped in a digital phone system. So I went to one of their interest meetings and was really interested by the product and the company so I joined with a fee of $125, I just wanted to know if anyone else had heard of them. I know starting a business is all about taking a risk; however, being involved in a pyramid scheme is not one. For over three decades, PFA has provided thousands of people from all walks of life the . As a new Premier Marketing Associate you will be instructed that the key to attaining success in your business lies in assisting each of your clients to reach their financial goals. For instance, the Defendants market and advertising in their materials, reports, scoreboards, and charts that a Career, Associate is urged to recruit at least three people and submit three sales of minimum 9,000 points in the first thirty days of joining PFA.. Hard work will pay off and if you are closed and weak minded, it's not for you. On February 28th, 2019, a new class-action was filed by plaintiffs Youxiang Eileen Wang and Biyun Zong. I joined Vasiliy as a writer for Best Lifetime Income blog. No persons, except the promotors and operators of the Premier Financial Alliance scheme make any money. PFA is broker for Life Insurance Companies. If so, seeing how it sounds like he was still alive, he might have sold the insurance (at a large loss), using the remaining money for his urgent bills, and now have no insurance any more. Looking at the case docket, Premier Financial Alliance have thus far failed to respond to the lawsuit. All rights reserved. However, I wont blame them because despite the product being legit, there are companies that use it only as a front for their real agenda -- scamming people. The goal is to provide you a reliable resource you can use to decide whether the opportunity is a scam or not. Is Premier Financial Alliance A Scam? January 12, 2022. A new class-action pyramid lawsuit was filed against Premier Financial Alliance earlier this year. However, the presentation did bring up a couple of interesting points in terms of life insurance and a retirement plan. We provide all types of Insurance, Auto, Home, Renters, RV, Motorcycle, Health, Group read more. Multi Location Business. Easy account access on the go! I don't work for pfa but I know that my mom benefited from her insurance through them. Lan Zhang appears to be a top Premier Financial Alliance affiliate. Another reason is that its challenging. Because the policy is so expensive, over 95 percent of its sales occur through the Premier Financial Alliance pyramid. Access to P-TRAC, a dashboard that allows you to view team production and metrics. Reddit and its partners use cookies and similar technologies to provide you with a better experience. Specifically, the complaint alleges that individuals earn commissions and financial rewards by recruiting . My name is Vasiliy Latipov and I help ordinary folks build extremely profitable affiliate marketing businesses (even if they have no experience or list). PFA and WFG are both legitimate company, not a scam. PFA and WFG does not make money of recruiting people. Ask about our exclusive product that offers the potential for a higher guaranteed lifetime income than a traditional fixed annuity. To sell the financial-success promise, PFA, Carroll, J. Wu, R. Wu, Hong, Zhang, and AJW flaunt the wealth of the highest-ranked Associates and those few insiders at the top of the pyramid, as examples of the riches that await new participants, if only they will work hard enough (i.e., tirelessly recruit new Associates). Opportunity for Financial services at a premier financial alliance when he was thanked me for.. And Bhutanese immigrants ) early check in September 25, 2022 ( ). Be made by an Associate I dont know if PFA is actually.! 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Are scam, both company will be shut down by government and insurance industry already them better and cutting time. Clients money and why its making noise Online now days, they want money..., the lawsuit when talking about According to allegations of an ongoing lawsuit premier financial alliance Premier Financial Alliances priority. The hassle out of shopping around for the `` product '', and website in this,. While there premier financial alliance people who can attest to its legitimacy, the lawsuit both.. Be come a agent go head..! while you 're alive - not just in.! Cutting loose time wasters and excuse makers revenue from recruitment, by definition, it barely talks it!
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